C & F FINANCIAL CORP
CFFINasdaq
$79.97
↑ +0.1%Jul 17 close · end-of-day
Price
1Y↑ +26.4%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$259.8M
Enterprise Value
$279.8M
P/E
9.2
P/S
1.8
P/B
1.0
EV/EBITDA
—
PEG
—
FCF Yield
4.4%
Dividend Yield
2.3%
Revenue (TTM)
$144.5M
Net Income (TTM)
$28.2M
Free Cash Flow (TTM)
$11.3M
Gross Margin
—
Operating Margin
—
Net Margin
19.5%
ROE
10.6%
ROIC
—
Debt / Equity
0.1
Net Cash
-$20.0M
Return 1Y
+24.0%
Company profile
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. Retail Banking offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. This segment offers its services through its main office in West Point, Virginia.
- CEO
- Thomas F. Cherry
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 610
- Headquarters
- Virginia
- Website
- cffc.com
Management & directors
- Cherry Thomas FPRESIDENT & CEO
- Long Jason EEVP, CHIEF FINANCIAL OFFICER
- Crone S DustinPRESIDENT & CEO C&F FINANCE
- Fox Mark APRESIDENT & CEO C&F MORTGAGE
- Dillon Larry GEXECUTIVE CHAIRMAN
- Seaman John A IiiEVP, CHIEF CREDIT OFFICER
Roles derived from SEC Form 4 filings.
Earnings
CFFI Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$36.3M↑ +11.3%
Diluted EPS$2.08↑ +25.3%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $138.1M | $135.2M | $122.7M | $127.3M | $127.3M | $140.8M |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $22.1M | $28.7M | $29.2M | $23.6M | $19.8M | $26.8M |
| Diluted EPS | $6.06 | $7.95 | $8.29 | $6.92 | $6.01 | $8.29 |
| Operating cash flow | -$80.4M | $157.4M | $90.6M | $38.8M | $36.8M | $24.5M |
| Free cash flow | -$90.6M | $152.6M | $87.2M | $37.4M | $33.3M | $22.2M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 16.0% | 21.2% | 23.8% | 18.5% | 15.6% | 19.1% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $31.2M | $33.5M | $32.0M | $32.6M | $36.4M | $36.0M | $35.9M | $36.3M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $5.0M | $5.4M | $6.0M | $5.4M | $7.7M | $7.1M | $6.7M | $6.7M |
| Diluted EPS | $1.50 | $1.65 | $1.85 | $1.66 | $2.37 | $2.18 | $2.08 | $2.08 |
| Operating cash flow | $1.7M | $404,000.00 | $33.8M | $3.2M | -$4.4M | $23.4M | $2.2M | -$7.6M |
| Free cash flow | $1.2M | -$1.6M | $33.3M | $2.9M | -$5.0M | $22.7M | $1.5M | -$7.9M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 16.1% | 16.1% | 18.8% | 16.5% | 21.2% | 19.6% | 18.7% | 18.6% |
Company news
Jul 8, 2026
Jun 11, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-03 | Kelley Elizabeth R | W | 217 | $0.00 | $0.00 | filing |
| 2026-06-12 | CHERRY THOMAS F· PRESIDENT & CEO | Sale | 141 | $77.50 | $10,927.50 | filing |
| 2026-06-11 | CHERRY THOMAS F· PRESIDENT & CEO | Sale | 30 | $78.50 | $2,355.00 | filing |
| 2026-06-10 | CHERRY THOMAS F· PRESIDENT & CEO | Sale | 329 | $78.50 | $25,826.50 | filing |
| 2026-06-09 | CHERRY THOMAS F· PRESIDENT & CEO | Sale | 678 | $75.56 | $51,229.68 | filing |
| 2026-06-08 | CHERRY THOMAS F· PRESIDENT & CEO | Sale | 200 | $75.00 | $15,000.00 | filing |
| 2026-06-05 | Long Jason E· EVP, CHIEF FINANCIAL OFFICER | Sale | 1,360 | $75.50 | $102,680.00 | filing |
| 2026-05-27 | CHERRY THOMAS F· PRESIDENT & CEO | Sale | 500 | $75.00 | $37,500.00 | filing |
| 2026-05-13 | Kelley Elizabeth R | Sale | 1,025 | $73.00 | $74,825.00 | filing |
| 2026-04-21 | Holmes Audrey Dale | Award | 450 | $0.00 | $0.00 | filing |
| 2026-04-21 | CAUSEY J P JR | Award | 450 | $0.00 | $0.00 | filing |
| 2026-04-21 | Agnew Julie R | Award | 450 | $0.00 | $0.00 | filing |
| 2026-04-21 | ROBINSON PAUL C | Award | 450 | $0.00 | $0.00 | filing |
| 2026-04-21 | Olsson Charles Elis | Award | 450 | $0.00 | $0.00 | filing |
| 2026-04-21 | Downs David Hendrick | Award | 450 | $0.00 | $0.00 | filing |
| 2026-04-21 | Smith Jeffery O | Award | 450 | $0.00 | $0.00 | filing |
| 2026-04-21 | Sisson George R III | Award | 450 | $0.00 | $0.00 | filing |
| 2026-04-21 | PEAY D ANTHONY | Award | 450 | $0.00 | $0.00 | filing |
| 2026-04-21 | NAPIER JAMES T | Award | 450 | $0.00 | $0.00 | filing |
| 2026-04-21 | Kelley Elizabeth R | Award | 450 | $0.00 | $0.00 | filing |
| 2026-03-01 | CHERRY THOMAS F· PRESIDENT & CEO | Tax withholding | 1,872 | $72.82 | $136,319.04 | filing |
| 2026-03-01 | Long Jason E· EVP, CHIEF FINANCIAL OFFICER | Tax withholding | 865 | $72.82 | $62,989.30 | filing |
| 2026-03-01 | Crone S Dustin· PRESIDENT & CEO C&F FINANCE | Tax withholding | 536 | $72.82 | $39,031.52 | filing |
| 2026-03-01 | Fox Mark A· PRESIDENT & CEO C&F MORTGAGE | Tax withholding | 278 | $72.82 | $20,243.96 | filing |
| 2026-02-26 | CHERRY THOMAS F· PRESIDENT & CEO | Sale | 11 | $78.25 | $860.75 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.